AI Income Risk · Real Estate
Zuidwest-Overijssel
ProofIndex score 56/100 (Moderate Risk) · medium confidence
ProofIndex score: 56/100 — Moderate Risk risk.
Scoring period 2026-Q2 · medium confidence in the underlying data
Zuidwest-Overijssel (Netherlands) shows moderate exposure in ProofIndex’s scoring, with a ProofIndex score of 56/100 (Moderate Risk). The biggest contributor is housing leverage — how leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
Key risk drivers
- Housing Leverage — 67/100
- How leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
- Employment Vulnerability — 53/100
- How exposed local jobs are to AI automation, based on the area’s occupation mix.
- Income Concentration — 39/100
- How concentrated local income is in higher-paid, AI-exposed work.
- Resilience Factors — 27/100
- Local economic cushioning — savings, benefits, and job diversity that absorb an income shock.
Where this score comes from
Every ProofIndex pillar is computed from published statistics. These are the sources behind this area's score, with the vintage of each and the limitation we know about it.
- Employment Vulnerability — CBS + ProofIndex model
- Derived Dutch sub-regional proxy · Proxy · COROP · vintage 2024-2025. Derived from province-level official data and local adjustment factors.
- Income Concentration — CBS + ProofIndex model
- Dutch COROP estimates · Derived · COROP · vintage 2024-2025. Uses official CBS series with ProofIndex transformations where direct COROP indicators are incomplete.
- Housing Leverage — CBS + ProofIndex model
- Dutch COROP estimates · Derived · COROP · vintage 2024-2025. Uses official CBS series with ProofIndex transformations where direct COROP indicators are incomplete.
- Rental Market Exposure — CBS + ProofIndex model
- Dutch COROP estimates · Derived · COROP · vintage 2024-2025. Uses official CBS series with ProofIndex transformations where direct COROP indicators are incomplete.
- Resilience Factors — CBS + ProofIndex model
- Dutch COROP estimates · Derived · COROP · vintage 2024-2025. Uses official CBS series with ProofIndex transformations where direct COROP indicators are incomplete.
Frequently asked questions
Is Zuidwest-Overijssel at risk from AI job losses?
Moderately — Zuidwest-Overijssel sits mid-pack among the Netherlands markets ProofIndex tracks. It scores 56/100 (Moderate Risk) overall, and 53/100 on employment vulnerability — how much of the local occupation mix overlaps with work today’s AI can already do. ProofIndex measures how exposed local incomes are, not how many jobs will go: a higher score means more of the local wage base sits in work that AI is changing.
How exposed is the Zuidwest-Overijssel housing market to AI automation?
Zuidwest-Overijssel scores 56/100 (Moderate Risk) on ProofIndex, which blends how exposed local incomes are to AI with how leveraged the local housing market is. The largest single contributor is housing leverage at 67/100 — how leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income. Housing leverage — loan-to-value, debt-to-income, and price-to-income among local borrowers — scores 67/100. Local resilience — savings, benefits, and job diversity that absorb an income shock — scores 27/100 and pulls the composite down. Scores are normalized 0–100 within Netherlands, so this ranks Zuidwest-Overijssel against other Netherlands markets rather than against markets abroad.
Why is Zuidwest-Overijssel rated Moderate Risk?
Moderate Risk is the risk tier ProofIndex assigns to a composite score of 56/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Zuidwest-Overijssel the risk pillars rank housing leverage 67/100, employment vulnerability 53/100, income concentration 39/100. Confidence in the underlying data for this area is medium.
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Other Netherlands markets
- Agglomeratie Haarlem — 94/100
- Het Gooi en Vechtstreek — 87/100
- Agglomeratie Leiden en Bollenstreek — 86/100
- Utrecht — 78/100
- Utrecht — 78/100
- Veluwe — 78/100